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Here’s what to expect after prequalification.

Getting prequalified is one of your first steps in applying for a mortgage and closing on a home.

Step 2

Fill out a full application to get an offer letter.

While you don’t have to have one, an offer letter shows sellers that you’re serious about buying their home. Along with filling out the application, we’ll ask for permission to run a hard credit check to look into your financial background. This step may affect your credit score.

Step 3

Navigate the closing process.

When you’ve found a home you love and your offer is accepted, underwriting can begin. We’ll ask for further documentation as this process moves along. Underwriting can take anywhere from a few days to several weeks. Once you’ve been fully approved, we’ll schedule your closing.

Start of disclosure content


Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

A prequalification request is an inquiry only, not a loan or line application or a commitment to lend and no interest rate is promised or secured. An assessment will be performed to determine whether your income and debt-ratio may fit a current U.S. Bank loan or line program. A credit decision will be made only after you submit a complete application, and we are able to verify and fully evaluate your application request in accordance with the loan or line program you have selected and all underwriting criteria.